I. Application conditions
1. The main card applicant shall be a China citizen aged 18 to 65 (inclusive) with full civil capacity; Supplementary card applicants must be at least 12 years old;
2. The applicant should have a legitimate occupation and a stable income;
3. The applicant shall submit true and complete application materials as required by China Everbright Bank.
Second, the application requirements
1. Applicants should fill in the application materials and credit card application form online and ensure that the information filled in is true and accurate;
2. The applicant shall provide the supporting documents required to apply for a credit card, including but not limited to a copy of a valid ID card or military officer's card, work documents, financial documents or other supporting documents required by China Everbright Bank;
3. Applicants shall not apply for the same credit card product of China Everbright Bank repeatedly online;
4. After the applicant submits the application materials online, the credit card sales staff of China Everbright Bank will selectively contact the applicant and handle the business at home within no more than 7 working days. If the credit card salesperson of China Everbright Bank fails to contact the applicant within the specified working days, please apply at the local Everbright Bank outlet;
5. The online (Internet) application process of Everbright Bank's credit card does not include the application for the secondary card. Applicants can apply for the secondary card when the salesperson comes to handle the business, and handle it accordingly;
6. At present, the online application business of China Everbright Bank is limited to some cities and regions, providing on-site service for sales staff. If customers in other cities and regions need it, please go to the local branches of China Everbright Bank.
7. Customers who fill in the application materials through online channels shall be examined and approved by China Everbright Bank in accordance with the existing policies;
8. Credit card overdrafts are compounded monthly, and the overdraft interest rate is 0.5 ‰ of the daily interest rate, equivalent to 18% of the annual interest rate, which will be adjusted according to the current interest rate change of the People's Bank of China;
9. Please repay in full and on time. Do not repay all the current repayment amount, no longer enjoy the interest-free repayment period, and pay overdraft interest. If the minimum repayment amount is not fully repaid, interest and late fees will be generated, and personal credit may be affected.